The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,158
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$258/mo
Today · 4.125%
HK$8,669
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,338/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,075
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$247/mo
Today · 4.125%
HK$9,566
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,132/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,789
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$309/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,806/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,890
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$296/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,958/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,421
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$361/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,274/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,706
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$346/mo
Today · 4.125%
HK$13,392
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,784/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,684
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$464/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,554
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$444/mo
Today · 4.125%
HK$17,218
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,436/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).